Retail Banking Credit & Service
The programme will enable you to deliver a high standard of retail banking services to customers in ways which mitigate the risks in retail banking.
| Award Name | Special Purpose Diploma (Level 7 NFQ) |
|---|---|
| NFQ Classification | Special Purpose |
| Awarding Body | University College Dublin |
| NFQ Level | Level 7 NFQ |
| Award Name | NFQ Classification | Awarding Body | NFQ Level |
|---|---|---|---|
| Special Purpose Diploma (Level 7 NFQ) | Special Purpose | University College Dublin | Level 7 NFQ |
Duration
1-2 Trimesters
Delivery: Online and workshops.
Entry Requirements
The minimum second level educational requirements for entry to the Professional Diploma in Retail Banking Credit and Service are as follows:
Five passes in the Leaving Certificate, including English and Mathematics, or
Five O Level/GCSE passes, including English Language and Mathematics.
IOB will also consider applications on a mature candidate basis from applicants who are 23 years of age before the date of their application for admission to the programme.
Professional Body Membership
You must be a current member of IOB, or become a member, to register for this programme. Membership is currently €40 per calendar year.
Further information
Check with institute for next available start date.
Principles of Credit Assessment (5 ECTS) €475
Credit Application Negotiation, Documentation and Financing Alternatives (5 ECTS) €475
Retail Conduct Risk and Customer Services Practice (5 ECTS) €510
Introduction to Retail Banking Regulation (UK), Products and Services (5 ECTS) €510
Retail Banking Product and Service Regulatory Requirements (UK) (5 ECTS) €510
Monitoring and Identifying Early Warning Signs of Financial Distress (5 ECTS) €475
Overview
At a glance
This programme is relevant to a wide range of roles within Financial Services.
The programme will enable you to deliver a high standard of retail banking services to customers in ways which mitigate the risks in retail banking.
Who is this programme for?
This programme is designed to meet the needs of:
• All staff working in retail branch banking in customer facing roles and those who wish to move into lending, either personal or small business. Previous lending experience is not essential.
• SME relationship managers and their lending portfolio support staff who want to build on their existing skill base.
• Credit underwriters working in the frontline or in a credit department setting.
• Loan administration and credit policy officers.
• Internal audit and compliance staff.
• Marketing staff who design and promote credit and other retail banking products.
How you will benefit
At the end of the programme, you will be able to:
• Understand the main features and characteristics of SMEs in Northern Ireland.
• Understand financial accounts and how to use them to support lending decisions.
• Evaluate the commercial viability and sustainability of SME's and management's ability to deliver.
• Present a lending proposal in a manner which meets the needs of the personal or SME borrower and complies with credit policies.
• Describe the key funding sources available to SMEs.
• Describe the principal legal and regulatory mechanisms in our financial services.
• Describe the retail banking products available to different types of customers and the regulations relating to their marketing, sale and service.
• Understand the different types of security for loan products.
• Understand the different types of credit monitoring controls.
• Identify the early signs of credit deterioration for personal and SME customers, evaluate their potential impact and consider courses of action.
• Effectively manage the client-bank relationship through the customer life cycle.
• Identify conduct risk and apply service principles necessary to provide the required customer centric service that provides the best outcomes for customers across all the banks' products.
The programme will enable you to deliver a high standard of retail banking services to customers in ways which mitigate the risks in retail banking.
Principles of Credit Assessment
Credit Application Negotiation, Documentation and Financing Alternatives
Monitoring and Identifying Early Warning Signs of Financial Distress
Introduction to Retail Banking Regulation (UK), Products and Services
Retail Banking Product and Service Regulatory Requirements (UK)
Retail Conduct Risk and Customer Services Practice
Assessment
• End of trimester examination
• Written, essay style questions
• The pass mark is 40% in all modules in line with UCD academic policy.
Award
When you successfully complete this programme you will be awarded a Professional Diploma in Retail Banking Credit and Service from UCD.
Susan Freeney - Programme Manage
e: education@iob.ie
Institute of Banking
Email: info@iob.ie
Phone: +353 (0)1 6116500
Fax: +353 (0)1 6116565